PNB Staff Housing Loan EMI & Eligibility Calculator

Punjab National Bank

Staff Housing Loan EMI & Eligibility Calculator (HRDD Circular No. 1004/2026)

Loan Parameters

Housing Loan Scheme Standard Staff Housing Loan (Appendix-C) Special Loan for Scheduled Areas (Appendix-B)

Cadre / Scale Scale VIII (Max ₹1.80 Cr) Scale VI & VII (Max ₹1.60 Cr) Scale IV & V (Max ₹1.50 Cr) Scale I, II, III (Max ₹1.20 Cr) Clerical Staff (Max ₹75 Lakhs) Sub-Staff (Max ₹50 Lakhs)

Purpose of Loan Purchase / Construction of House / Flat Repair / Renovation / Furnishing

Loan Account Status Single Loan Account Multiple Loan Accounts

Total Project Cost / Required Amount (₹)

Bank finance restricted to 90% of project cost (10% margin required).

Repayment Tenure (Months)

Maximum 360 months (subject to retirement/age constraints).

Gross Monthly Income (₹)

Net Take Home (NTH) evaluation threshold applied automatically.

Quick Summary

Eligible Max Limit: ₹0

Approved Loan Amount (90%): ₹0

Applicable Interest Rate: 0%

Calculated Monthly EMI: ₹0

Max Permissible EMI (NTH): ₹0

Total Interest Payable: ₹0

Compliance Note:

Calculated in alignment with standard reducing balance monthly frequency and internal HRDD benchmark regulations.

Detailed Loan Product & Repayment Breakdown

Principal Amount

₹0

Total Payment (P + I)

₹0

Interest to Principal Ratio

0%

Amortization & Core Terms

• Repayment Mode: Recovery through regular monthly salary deductions.

• Interest Calculation: Monthly reducing balance methodology.

• Prepayment Charges: Nil charges applicable for staff housing loan advances.

• Security / Mortgage: Equitable mortgage creation of the financed residential property.